Personal Checking & Savings

With over 20 branches throughout the Greater Puget Sound region, chances are there’s a Kitsap Bank near you. We’re pleased to offer you, as neighbors and friends, a wide selection of checking and savings accounts. Whether you’re beginning a new career, starting a family, or planning for retirement, we can help you achieve your goals.

Apply NowPersonal Checking Options
Kitsap Bank is committed to helping you achieve the lifestyle you deserve. Our enhanced checking account options are flexibly designed to meet your needs with a range of benefits from fraud and payment card protection to prescription and travel discounts. All of our checking account options include FREE Online Banking.* 

 FREE CheckingSmart Choice Checking(1,3)Legends Checking(1)
Minimum balance to open$100.00$100.00$100.00
Monthly maintenance feeFREEFREE when you maintain a minimum daily balance of $5,000.00

$3.00 when you maintain a minimum daily balance of $1,000.00

$6.00 if you maintain less than $1,000.00 daily balance		$5.00
Minimum daily balance to waive fees  $5,000.00$200.00
Balance required to obtain the Annual Percentage Yields Tiered Rate (2)Tiered Rate (2)
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Normal fees listed in fee schedule (PDF)  apply (NSF, Stop Payment Fees, Dormant Fees, etc.)
*Applies to single user online banking service
(1) At our discretion we may change the interest rate and annual percentage yield (APY) on your account at any time. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
(2) Flexible, tiered interest rate plans. The more you invest, the higher the annual percentage yield. If your daily balance falls within any tier, the corresponding rate will be applied to the entire balance in your account. Please see our Deposit Rate Sheet for Deposit tiers and corresponding APY.
(3)Accidental Death Insurance is offered by Affinion Benefits Group and is underwritten by Hartford Life Insurance Company. A portion of the monthly membership dues, if applicable, will be used to pay the insurance premium to the plan administrator. As a member, you'll automatically receive new benefits as they are added to your program. Coverage is divided equally among the co-owners of joint accounts. The 24-hour Accidental Death and Dismemberment Insurance benefit reduces by half at age 70. Identity Theft Insurance is offered through the insurance company named on the Benefit Summary included in the membership kit. Please refer to the Summary for complete details of coverage, limitations and exclusions. Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the U.S. Members who reside in Alaska, Arkansas, Colorado, Connecticut, Florida, Indiana, Kansas, Maryland, Mississippi, Missouri, Montana, Nevada, Ohio, Oklahoma, South Carolina, South Dakota and Tennessee should refer to the Membership Terms, Conditions, and Disclosures included in the Membership Kit for important information regarding your medical discount benefits.
Apply NowSavings Options

 Statement Savings
 		IRA Statement Savings
 		MarketFundPremium Fund
Minimum balance to open$100.00$100.00$1,000.00$2,500.00
Monthly fee$3.00* $7.50$10.00
Minimum daily balance to waive monthly fee$300.00 $1,000.00$2,500.00 **
Rate informationSee Deposit Rate Sheet for deposit tiers and corresponding annual percentage yield (APY)***
Transactions per monthTransfers from these accounts to another account or to third parties by
pre-authorized, automatic, or telephone transfer are limited to six per month
with no more than three by check/debit card, or similar method to third parties.
Transaction feesIf the account
falls below the
minimum daily
balance of
$300.00 any
day during the
month, a $1.00
per item fee
will be assessed
for each item in
excess of three
per month. *		As governed by
current IRS rules.		$5.00 fee charged for each check
in excess of three during a
statement cycle.
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Interest compounds daily, paid monthly.
* Waived if a minor’s account or combined checking account.
** Minimum balance required to obtain the APY is based on flexible, tiered interest rate plans. The more you invest, the higher the annual percentage yield. If your daily balance falls within any tier, the corresponding rate will be applied to the entire balance in your account.
***At our discretion, the interest rate and annual percentage yield (APY) on your account may change. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).